The Best Pet Insurance in New York for 2025

If you’re looking for pet insurance in New York to help with vet bills, you’ve got options. Many insurers in the Empire State can reimburse up to 90% of your pet’s medical expenses after you’ve met your deductible. NerdWallet gathered rates and evaluated plans to help you find the best pet insurance in New York.

Why it's the best: MetLife had the highest raw score of all the pet insurance companies we evaluated, thanks to its strength in just about every category. MetLife’s standard plan includes coverage for prescription food, dental illnesses and vet exam fees, all of which some companies charge extra to cover. If your pet stays healthy, your deductible may go down over time.

MetLife can reimburse up to 90% of your vet expenses. Alternatively, you can choose a less generous limit in exchange for a lower monthly rate. The optional preventive care add-on can pay for services like spay or neuter surgery, teeth cleaning and behavioral consultations.

Learn more with our MetLife pet insurance review.

Why it's the best: Lemonade offered some of the lowest monthly rates for our sample dogs in New York City. You may be able to snag further savings by paying your premium once a year instead of in monthly installments. The company also offers a discount for insuring more than one pet.

Lemonade’s plan covers the basics, including prescription medicine and surgery. You can buy the following add-ons to make your plan more comprehensive:

• Vet exam fees.

• Physical therapy.

• Dental illnesses.

• Behavioral conditions.

• End-of-life and remembrance.

Learn more with our Lemonade pet insurance review.

Why it's the best: Figo’s rates were among the cheapest for our sample cats living in New York City — and Costco members may be able to save an extra 15%. Figo’s plans cover dental illnesses, holistic treatments and hereditary conditions. However, coverage for vet exam fees costs extra.

You generally won’t have to wait long for Figo to reimburse you for your vet bills. The company says it processes most claims within three business days. Policyholders get access to Figo’s Pet Cloud, a mobile app you can use to store your pet’s medical records, file claims, meet other pet parents and reach out to vet professionals.

Learn more with our Figo pet insurance review.

Why it's the best: ASPCA’s accident and illness plan has some of the most generous coverage in the industry. It covers things that other insurers charge extra for or don’t cover at all, including:

• Vet exam fees.

• Prescription food and supplements.

• Behavioral issues.

• Alternative therapies.

• Microchipping.

Unlike some other companies that make you wait six months to a year for coverage of orthopedic conditions, ASPCA has a 14-day waiting period after you buy your policy for all accident and illness claims.

Learn more with our ASPCA pet insurance review.

The best pet insurance in New York by age

Want more options? Check out all the pet insurers in New York that earned a 5-star NerdWallet rating.

Below are sample rates for 2-year-old mixed-breed dogs and cats in New York City. Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Older pets are generally more expensive to insure, so we also checked rates for 8-year-old dogs and cats in New York City. Here’s how our 5-star companies stack up for mixed-breed dogs and cats with the same coverage limits as above.

» MORE: The best pet insurance companies

Here are the cheapest insurers we found in New York, based on quotes for pets living in New York City. Unless otherwise stated, our sample pets were mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may vary depending on where you live, the coverage you choose, and your pet’s age and breed.

» MORE: Is pet insurance worth it?

How to choose the best pet insurance

Look beyond price. Cost is important, but it shouldn’t be your only consideration. Say Plan A costs $10 more a month than Plan B, but it includes coverage for exam fees and alternative therapies. If you have to pay extra to get these types of coverage with Plan B — or they’re not available at all — you might find Plan A a better value.

Learn about the claims process. If one pet insurer generally processes claims within two days while another takes up to a month, you may want to go with the quicker one. That way you’re not waiting for weeks to get reimbursed. Even better, keep an eye out for pet insurers that can pay your vet directly.

Read reviews. NerdWallet has researched dozens of pet insurance companies so you don’t have to. Read our pet insurance reviews to see our star ratings and get coverage details.

» MORE: What does pet insurance cover? Read our complete guide

How to find more affordable pet insurance

Shop around. We recommend getting quotes from at least three different pet insurance companies to find the best price. To ensure a fair comparison, make sure you’re looking at plans with similar deductibles, reimbursement rates and annual limits.

Adjust your plan. Most pet insurance plans can be tailored to your needs and budget. To get a lower price, you can raise your deductible or choose a lower reimbursement rate. Just be prepared to pay more out of pocket at the vet.

You can also choose less coverage — for example, by selecting $5,000 of annual coverage instead of $10,000 or more. But if your pet gets seriously sick and racks up vet bills above that amount, you’ll have to pay the difference.

Ask about discounts. Some companies offer savings to select customers, such as members of the military or those who insure more than one pet.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.